This home is in Oceanside, Fernandina Beach.
$440,0003 bd · 1.5 ba · 1,252 sq ft
Active·26 days on market·Oceanside
2734B Ocean Drive
Fernandina Beach, FL 32034
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About this home
Oceanside
Just a quick jaunt to the stunning beaches of Amelia Island, this townhome offers the kind of coastal lifestyle that most people only dream about. Close enough to catch the sound of the waves on a quiet evening or early morning, yet perfectly positioned to enjoy everything this remarkable island has to offer. Centrally located on the island, you are moments from the charm of historic downtown Fernandina Beach - where tree-lined streets invite you to stroll, browse boutique shops, dine at locally beloved restaurants, and watch breathtaking sunsets melt over the Intracoastal Waterway. Fort Clinch State Park is just down the road, offering a living piece of Civil War history with engaging reenactments, living history events, and miles of bike trails winding beneath a canopy of massive and centuries-old live oak trees. This attached townhome-style unit has a large kitchen with updated shaker cabinets and a charming bay window - ideal as a breakfast nook, making it a true eat-in kitchen.
Next steps in Oceanside
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,733 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
Beach access 28, S Fletcher Ave. & N Casino Ave.about 0.1 mi · 11 parking spaces
Closest park or preserve
Egans Creek Greenwayabout 3 mi · 3.6 mi of trails
Closest public boat ramp
Fernandina Harbour Marinaabout 3 mi · Amelia River - St. Marys Entrance
Closest kayak & paddleboard launch
Egan's Creek Park – Kayak Launch Dockabout 3 mi · Egan's Creek
Closest grocery store
Publixabout 1 mi · 1421 Sadler Rd, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:52 AM, sunset 5:29 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $393,814 | $361,297 | — |
2025 property taxes (current owner): $6,269/yr
Estimated taxes if purchased at asking price: ~$7,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Oct 19, 2026Active$440,000
- Oct 19, 2026Withdrawn$440,000
- Aug 12, 2026Listed$440,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $533/sq ft; this home is listed at $351/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2700 Mizell Avenue 402B, Fernandina Beach, FL 32034Listed by COLDWELL BANKER ANABASIS REALTY | Aug 2025 | $375,000 | $350 | 2/2 | 1,072 | 68 | 0.2 |
| 2886 Forest Ridge Drive U6, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Mar 2026 | $372,000 | $365 | 3/2 | 1,019 | 60 | 0.3 |
| 2696 Forest Ridge Drive A-6, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTY | Nov 2025 | $355,000 | $348 | 3/2 | 1,019 | 282 | 0.3 |
| 3240 Fletcher Avenue 560, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Feb 2026 | $750,000 | $641 | 2/2 | 1,170 | 21 | 0.5 |
| 3240 Fletcher Avenue 665, Fernandina Beach, FL 32034Listed by FLATFLEE.COM INC | Jan 2026 | $850,000 | $533 | 3/2 | 1,596 | 138 | 0.5 |
| 3350 S Fletcher Avenue F7, Fernandina Beach, FL 32034Listed by TAYLORED REALTY, INC. | May 2026 | $685,000 | $606 | 2/2 | 1,130 | 84 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Oceanside
Oceanside is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
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Your Local Realtor

Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines



